I use YAF for my website. A hugely popular online motorcycle community. YAF has excellent features for freeware. Admin features are great with all the features you would need. Member features are easy and user friendly, great for a online community just starting. Moderator features give mods everything they need to keep a forum running smoothly.

With no current support for photo albums you may want to look elsewhere if you plan on having photo albums. But I believe photo album support is coming. Check the website.

I have been using the forum over a year now. They have constant updates and the forum help community has been great.

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